Introduction
This Notice of Collection & Privacy Policy is provided in compliance with the California Consumer Privacy Act (CCPA) and other applicable California privacy laws. It applies specifically to California residents who interact with USA Homeownership Loans and its affiliates (“we,” “us,” or “our”). This policy outlines the types of personal information we collect, the purposes for which it is collected, and your rights under California law.

Information We Collect
• Identifiers: Name, postal address, email address, phone number, Social Security number, driver’s license number, passport number, or other similar identifiers.
• Personal Records: Financial information, such as bank account numbers, income details, loan balances, and payment history.
• Characteristics of Protected Classifications: Information such as gender, age, or veteran status, if voluntarily provided.
• Commercial Information: Records of products or services purchased, obtained, or considered, and other purchasing or consuming histories or tendencies.
• Internet Activity: Browsing history, search history, and information regarding your interaction with our website, applications, or advertisements.
• Geolocation Data: Location information from your device, where applicable.
• Professional or Employment Information: Current or past job history or performance evaluations, if relevant to your loan application.
• Sensitive Personal Information: Social Security number, account log-in, financial account details, and precise geolocation data, which may be collected as part of our financial services.
• Inferences: Inferences drawn from any of the information identified above to create a profile reflecting your preferences, characteristics, behavior, or attitudes.

How We Use Your Information
• To Process Your Application: Assess eligibility, process loan applications, and provide related services.
• To Provide Services: Facilitate financial transactions and communicate with you about your account and services.
• To Improve Our Services: Analyze how you use our Site and Services to improve user experience and functionality.
• For Legal Compliance: Comply with legal obligations, court orders, and government regulations.
• For Security and Fraud Prevention: Protect against and prevent fraud, unauthorized transactions, claims, and other liabilities.
• Marketing and Communications: Contact you with promotional offers, newsletters, and other communications unless you opt-out.

Sharing Your Information
• Affiliates and Service Providers: To support our business operations, including service providers, consultants, and financial institutions.
• Legal and Regulatory Authorities: To comply with legal obligations or respond to lawful requests.
• Third Parties: With whom you direct us to share your information or when needed to complete your transactions.
• Business Transfers: In the event of a merger, sale, or reorganization of our business.

Your Rights Under California Law
• Right to Know: You have the right to request details about the personal information we collect, use, and disclose about you.
• Right to Delete: You may request that we delete personal information we have collected from you, subject to certain exceptions.
• Right to Opt-Out: You have the right to opt-out of the sale or sharing of your personal information.
• Right to Non-Discrimination: You will not be discriminated against for exercising your privacy rights.

How to Exercise Your Rights
• Submit a Request: Call us at 800.590.2574 or email [email protected]].
• Verification: We may need to verify your identity before processing your request.

Changes to This Policy
• We may update this Notice of Collection & Privacy Policy as required by law or changes in our business practices. Please review this notice periodically for any changes.

Contact Us
Phone: 800.590.2574
Website: https://www.usamtg.com

USA Homeownership Loans
Attn: Compliance Department
495 East Rincon Street, Suite 110
Corona, CA 92879